What people paid for mortgages in Summit County, OH (2025)

Across 5,414 closed home-purchase loans in 2025, the median interest rate in Summit was 6.625%, and the middle half of borrowers got between 6.25% and 6.875%. Median total loan costs ran $5,320 on a median loan of $215,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.625%
Middle half of rates: 6.25%–6.875%
Median total loan costs: $5,320
Median loan amount: $215,000

5,414 loans, 2025.

Refinance

Median rate: 6.5%
Middle half of rates: 5.99%–7.125%
Median total loan costs: $5,344
Median loan amount: $175,000

2,488 loans, 2025.

Lowest median rates in Summit (2025)

The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.

Home purchase

1.K. HOVNANIAN AMERICAN MORTGAGE, L.L.C.5.5%33 loans, median costs $4,070
2.PULTE MORTGAGE LLC5.688%84 loans, median costs $2,920
3.Mortgage Research Center, LLC6.25%82 loans, median costs $4,652
4.Citizens Bank, National Association6.25%50 loans, median costs $5,499
5.Navy Federal Credit Union6.25%33 loans, median costs $3,225

Among lenders with at least 30 closed purchase loans in Summit County in 2025.

Refinance

1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.875%140 loans, median costs $7,679
2.PENNYMAC LOAN SERVICES, LLC6.124%62 loans, median costs $6,254
3.CROSSCOUNTRY MORTGAGE, INC.6.24%134 loans, median costs $5,176
4.FREEDOM MORTGAGE CORPORATION6.25%73 loans, median costs $3,944
5.Rocket Mortgage, LLC6.375%385 loans, median costs $6,678

Among lenders with at least 30 closed refinance loans in Summit County in 2025.

Lender by lender in Summit

Every lender that closed at least 5 qualifying loans in Summit County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.

#	Lender	Loans	Median rate	Median total costs	Median origination	Median points
1	CROSSCOUNTRY MORTGAGE, INC.	754	6.875%	$7,374	$3,614	$2,382
2	Fairway Independent Mortgage Corporation	330	6.625%	$5,245	$2,116	$1,847
3	The Huntington National Bank	329	6.625%	$4,482	$1,456	$616
4	Rocket Mortgage, LLC	294	6.625%	$5,442	$2,401	$2,178
5	Third Federal Savings and Loan Association of Cleveland	233	6.34%	$3,722	$1,095	n/a
6	HOWARD HANNA FINANCIAL SERVICES, INC.	214	6.592%	$5,257	$2,275	$1,107
7	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	179	6.59%	$6,838	$3,623	$1,482
8	Synergy One Lending, Inc.	178	6.625%	$6,665	$2,907	$1,512
9	UNION HOME MORTGAGE CORP.	155	6.625%	$6,831	$3,208	$1,523
10	RUOFF MORTGAGE COMPANY, INC.	151	6.75%	$4,672	$1,585	$1,703
11	JPMorgan Chase Bank, National Association	134	6.49%	$3,715	$905	$1,617
12	Fifth Third Bank, National Association	117	6.5%	$4,317	$1,295	$750
13	NVR Mortgage Finance, Inc.	114	6.375%	$5,206	$3,483	$6,829
14	Nations Lending Corporation	92	6.75%	$5,134	$1,645	$1,617
15	PULTE MORTGAGE LLC	84	5.688%	$2,920	$0	$7,989
16	GUARANTEED RATE, INC.	84	6.625%	$5,065	$2,040	$1,223
17	Mortgage Research Center, LLC	82	6.25%	$4,652	$0	$1,400
18	LIBERTY HOME MORTGAGE CORPORATION	74	6.875%	$7,484	$2,990	$1,134
19	First Commonwealth Bank	72	6.375%	$4,693	$1,795	$714
20	PNC Bank, National Association	69	6.5%	$4,358	$1,609	$905
21	MUTUAL OF OMAHA MORTGAGE, INC.	59	6.625%	$7,268	$3,061	$2,971
22	AMERICAN PACIFIC MORTGAGE CORPORATION	56	7.125%	$6,829	$3,549	$1,828
23	U.S. Bank National Association	52	6.5%	$3,868	$1,314	$389
24	Citizens Bank, National Association	50	6.25%	$5,499	$2,367	$1,522
25	Portage Community Bank	48	6.5%	$3,771	$850	n/a
26	First Federal Savings and Loan Association of Lakewood	47	6.4%	$4,321	$1,248	$386
27	FIRST OHIO HOME FINANCE, INC.	46	6.5%	n/a	$0	n/a
28	KeyBank National Association	43	6.375%	$4,307	$1,420	$393
29	UNION CAPITAL MORTGAGE CORPORATION	41	6.625%	$5,064	$1,695	$2,083
30	GVC MORTGAGE, INC.	40	6.625%	$4,716	$1,690	$633
31	NFM, INC.	40	6.75%	$7,322	$3,830	$2,313
32	POLARIS HOME FUNDING CORP.	39	6.75%	$6,852	$2,955	$3,177
33	ZILLOW HOME LOANS, LLC	37	6.625%	$4,008	$1,796	$449
34	First Financial Bank	37	6.625%	$4,699	$1,560	$360
35	Navy Federal Credit Union	33	6.25%	$3,225	$0	$385
36	K. HOVNANIAN AMERICAN MORTGAGE, L.L.C.	33	5.5%	$4,070	$550	$6,676
37	Broker Solutions, Inc.	32	6.933%	$8,280	$2,713	$1,516
38	WEST PENN FINANCIAL SERVICE CENTER, INC.	31	6.5%	$4,856	$1,942	$964
39	The Farmers National Bank of Canfield	28	6.5%	$4,412	$1,195	$1,315
40	GUILD MORTGAGE COMPANY	27	6.625%	$7,357	$2,159	$1,534

What these numbers are, and are not

Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.

The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights, in plain English

One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

Request quotes on LendingTree

What happens after you submit

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Common questions

What mortgage rate did people get in Summit County in 2025?

The median interest rate on closed home-purchase loans in Summit County, Ohio in 2025 was 6.625%, across 5,414 first-lien, owner-occupied loans. The middle half of borrowers got between 6.25% and 6.875%.

Is this a rate I can get today?

No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.

Why do lenders in the table show different rates?

Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.

Where do these numbers come from?

The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.